Reku Trading Fee Calculator
Calculate Your Reku Trading Costs
Estimate exact fees for crypto and US stock trades on Reku based on Indonesia's regulations and current rates.
Most crypto exchanges feel like they’re built for global traders with big bank accounts. But what if you’re in Indonesia, have just $10 to start, and want to buy Bitcoin and Apple stock in the same app? That’s where Reku comes in. It’s not another copycat exchange. It’s a locally licensed platform made for everyday Indonesians who want to grow their money without jumping through international hoops.
What Reku Actually Is
Reku isn’t just a crypto exchange. It’s a financial app that blends crypto trading with access to over 600 US stocks and ETFs - all in one place. It used to be called Rekeningku, but rebranded to Reku to reflect its broader focus on personal finance. The key difference? It’s fully regulated by Indonesia’s financial authorities: BAPPEBTI and OJK. That means your money isn’t sitting in some offshore shell company. It’s protected under local law.
Most global exchanges like Binance or Coinbase don’t have this level of oversight in Indonesia. Reku does. And that matters. If something goes wrong, you have legal recourse. That’s why over 2 million Indonesians trust it with their savings - even if they’ve never traded before.
How Much Does It Cost to Trade?
Reku’s fee structure is simple and smart. It has two modes: Lightning Mode and Pro Mode.
- Lightning Mode - 0% fees. Perfect for beginners. Buy BTC, ETH, or DOGE with one tap. No charts, no complexity. Just pick an asset, enter the amount, and confirm. Ideal if you’re putting aside IDR 5,000 ($0.33) every week.
- Pro Mode - 0.1% per trade. For people who want charts, order types, and futures. This mode gives you advanced tools like limit orders, stop-loss, and leverage up to 25x on crypto futures. The fee is standard for the region. Binance and Tokocrypto charge similar rates.
For US stocks, the fee is 0.25% per trade - no hidden charges. And here’s the kicker: Reku converts IDR to USD automatically at no extra cost. You don’t need a foreign bank account. Just buy Tesla or NVIDIA with rupiah, and the platform handles the rest.
What Coins and Stocks Can You Trade?
Reku supports over 150 cryptocurrencies. That includes all the big names: Bitcoin, Ethereum, Solana, Cardano, XRP, and even meme coins like Shiba Inu and Dogecoin. It’s not the largest selection globally, but it covers everything most retail investors actually use.
On the stock side, you get access to top US companies: Apple, NVIDIA, Tesla, Google, Microsoft, Amazon, Meta, and ETFs like SPY and QQQ. You can even trade overnight - 24 hours a day, five days a week. No waiting for US market hours. That’s rare for a local exchange.
They also offer staking. Pick from over 20 coins and earn up to 12.5% APY. And yes - it’s licensed by BAPPEBTI. That’s not just marketing. It’s legal compliance. Other platforms in Indonesia offer staking too, but few have official approval.
How Do You Deposit and Withdraw?
This is where Reku shines - and where it limits itself.
You can only deposit in IDR. But that’s not a flaw. It’s a feature. Reku connects directly with Indonesian banks: BRI, Bank Mandiri, Bank Permata, and Bank Sahabat Sampoerna. You can use virtual accounts, bank transfers, or popular e-wallets like OVO, DANA, ShopeePay, and LinkAja. No international cards. No PayPal. No wire transfers from abroad.
Minimum deposit? Just IDR 10,000 (about $0.65). That’s lower than most local banks’ savings account requirements. You can start small and scale up. Withdrawals are instant for e-wallets and take 1-2 hours for bank transfers.
But if you’re outside Indonesia? Forget it. No KYC for foreigners. No access. Reku isn’t trying to be global. It’s doubling down on being the best local option.
Security: Is Your Money Safe?
Reku doesn’t cut corners on security. All accounts require two-factor authentication (2FA). You can use SMS, authenticator apps, or biometrics (fingerprint or face ID). The app locks after five failed login attempts.
Crypto holdings are stored in cold wallets protected by Fireblocks - the same system used by institutional investors like Fidelity and Coinbase. They also hold ISO 27001 certification, which means their data protection practices meet global standards.
There have been no major security breaches since launch. No reported hacks. No lost user funds. That’s rare in crypto. Most exchanges get breached. Reku hasn’t. Why? Because they treat security like a legal obligation, not an afterthought.
Still, you need to protect yourself. Don’t share your PIN. Don’t click on fake links. Enable 2FA. Reku will never ask for your password via email or WhatsApp.
App Experience and Customer Support
The Reku app is clean, fast, and designed for first-time users. The home screen shows your portfolio, recent trades, and trending assets. Navigation is intuitive. Even if you’ve never opened a trading app before, you’ll figure it out in minutes.
On the Google Play Store, it has a 3.9/5 rating. That’s decent, not perfect. Users complain about occasional lag during high-volume trading - especially when Bitcoin spikes. But the app rarely crashes. Updates come monthly, and bugs are fixed fast.
Customer support is human-staffed, 24/7. No chatbots. You can message them in-app, and they reply within 15 minutes during peak hours. Most users say support is responsive and helpful, especially when verifying documents or fixing payment issues.
Who Is Reku For? Who Should Avoid It?
Reku is perfect if:
- You live in Indonesia
- You want to trade crypto and US stocks in one app
- You’re starting with small amounts (IDR 5,000+)
- You value legal protection over global access
- You prefer using OVO, DANA, or bank transfers
Avoid Reku if:
- You’re outside Indonesia
- You want to deposit with Visa, Mastercard, or PayPal
- You need 1000+ crypto tokens
- You only trade on desktop - the app is the only way to use Reku
If you’re an advanced trader from the US or Europe, Reku won’t replace Binance or Kraken. But if you’re an Indonesian looking to build real wealth - without needing a US bank account or crypto-savvy friends - Reku is one of the few platforms that actually works for you.
How to Get Started
Here’s the simplest path:
- Download the Reku app from the Google Play Store or Apple App Store.
- Sign up with your Indonesian phone number and email.
- Upload your KTP (ID card) and selfie. Verification takes under 5 minutes.
- Set a 6-digit PIN.
- Deposit IDR 10,000 via OVO, DANA, or bank transfer.
- Choose Lightning Mode to buy your first Bitcoin, or switch to Pro Mode to start trading stocks.
You’re trading in under 10 minutes. No complicated forms. No waiting days for approval. Just open, verify, deposit, trade.
The Bottom Line
Reku isn’t trying to beat Binance. It’s trying to beat the system that leaves ordinary Indonesians behind. It’s the only local exchange that combines crypto, US stocks, regulatory safety, and micro-investing - all in one app.
Yes, it’s limited to Indonesia. Yes, it lacks some advanced features. But for 95% of Indonesian users? It’s the best option on the market. It’s not flashy. It’s not global. But it’s real. And that’s what matters when you’re building your first investment portfolio.
Is Reku a legitimate crypto exchange?
Yes. Reku is fully licensed by Indonesia’s financial regulators: BAPPEBTI and OJK. It’s one of the few crypto platforms in the country with official approval. This means it follows strict rules on fund storage, KYC, and reporting. Your money is legally protected under Indonesian law.
Can I use Reku if I’m not from Indonesia?
No. Reku only accepts users with Indonesian identification (KTP) and local payment methods. It does not support foreign IDs, international bank accounts, or credit cards. The platform is built specifically for the Indonesian market and does not plan to expand overseas.
What’s the minimum amount to start trading on Reku?
You can start with as little as IDR 5,000 (about $0.33) to buy cryptocurrency. To deposit funds, the minimum is IDR 10,000. This makes Reku one of the most accessible exchanges in Indonesia for people with small budgets.
Does Reku support US stocks?
Yes. Reku lets you buy over 600 US stocks and ETFs, including Apple, Tesla, NVIDIA, Google, and Amazon. You can trade them 24/7, five days a week. The platform automatically converts IDR to USD at no extra fee, and charges only 0.25% per trade.
Is Reku’s staking service safe?
Yes. Reku’s staking service is officially licensed by BAPPEBTI. You can earn up to 12.5% APY on supported cryptocurrencies like ETH, SOL, and ADA. Your staked assets remain in cold storage, and the platform uses Fireblocks for institutional-grade security. Earnings are paid daily and are fully transparent.
How long does KYC verification take on Reku?
For Indonesian users, KYC verification typically takes under 5 minutes. You just upload your KTP and a selfie. The system uses AI to verify documents instantly. If there’s an issue, support responds within hours. International users cannot complete KYC - the service is only available to Indonesian citizens.
Can I trade crypto futures on Reku?
Yes. Reku offers futures trading in Pro Mode with up to 25x leverage. You can set Take Profit and Stop Loss orders, and trade major pairs like BTC/USDT and ETH/USDT. Fees are 0.1% per trade. This feature is designed for experienced traders who understand leverage risks.
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